Personal Finance

Sections: Budgeting, Banking, Savings, Investing, Retirement, Real Estate, Crypto, Credit, Insurance, Taxes. Guides are added here as they are researched and published.

How are the Personal Finance guides researched?

Each guide names its sources and the date they were checked. No company can pay to be included, ranked or left out on Livossa.

Budgeting4

How to build a monthly budget that survives irregular income

The 50/30/20 rule: where it works and where it breaks

Subscription creep: finding the recurring costs you forgot

Emergency funds: how many months is enough

Banking4

Current account fees compared: what free banking really costs

Neobanks vs. branch banks: what you gain and what you give up

Overdraft interest: how it is calculated and how to avoid it

Joint accounts: rules, risks and how to close one

Savings4

Fixed-term deposits vs. instant-access savings

How deposit protection works and where it stops

Reading a savings rate: nominal, effective and real return

Savings accounts abroad: what changes for tax and protection

Investing6

ETF savings plans: how to choose an index and a broker

Total expense ratio vs. total cost: what an ETF really charges

Accumulating or distributing ETFs: which suits whom

Single shares vs. funds: concentration risk explained

Broker fees compared: order costs, custody and FX spreads

Rebalancing a portfolio: when and how often

Retirement4

Private pension products compared: costs and flexibility

How much do you need to retire? The assumptions behind the numbers

The 4 percent rule and its critics

Company pension schemes: what to check before you sign

Real Estate4

Fixed or variable mortgage rate: how to compare offers

Rent or buy: the calculation most comparisons leave out

Closing costs when buying property, item by item

Mortgage overpayments: when they pay off

Crypto4

Crypto custody: exchange wallets vs. self-custody

How crypto gains are taxed: the records you need

MiCA explained: what EU crypto rules mean for retail investors

Bitcoin ETPs vs. holding coins directly

Credit4

How credit scores are calculated and how to check yours

Personal loans compared: APR, fees and early repayment

Buy now, pay later: costs that appear after checkout

Debt consolidation: when combining loans helps

Insurance4

Personal liability insurance: what a good policy covers

Term life insurance: how much cover you need

Disability insurance: the clauses that decide a claim

Household contents insurance: underinsurance explained

Taxes4

Filing your own tax return: deductions people miss

Capital gains allowance: how to use it each year

Withholding tax on foreign dividends: how to reclaim it

Freelancer taxes: setting money aside for the tax bill

About Personal Finance

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